Palo Alto, CA · Charter 19976
NCUA · 39 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions any (n=21). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
67
Asset Quality
24
Profitability
19
Liquidity
22
Efficiency
43
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Palo Alto, CA · Charter 19976
NCUA · 39 branches
Q4 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.17% | 0.12% | 0.34% | 0.23% | 0.19% | +3 bps | |
| Return on Equity | 1.72% | 1.25% | 3.40% | 2.29% | 1.88% | +15 bps | |
| Net Interest Margin | 2.42% | 2.78% | 2.78% | 2.85% | 2.95% | +53 bps | |
| Efficiency Ratio | 70.11% | 67.58% | 67.76% | 67.29% | 65.06% | -505 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.12% | 0.73% | 1.90% | -3.64% | -5.33% | -845 bps | |
| Loan Growth (YoY) | 1.88% | 3.26% | 2.02% | 0.59% | -0.46% | -234 bps | |
| Share Growth (YoY) | 5.75% | 0.49% | -3.08% | -4.34% | -4.17% | -992 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.32% | 1.16% | 1.53% | 1.76% | 1.53% | +21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.61% | 9.83% | 9.96% | 10.07% | 10.27% | +66 bps | |
| Net Worth / Assets | 9.61% | 9.83% | 9.96% | 10.07% | 10.27% | +66 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.60% | 96.66% | 103.73% | 100.74% | 98.26% | +366 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Palo Alto, CA · Charter 19976 · Peer group: credit unions any (n=21)
NCUA · 39 branches
Q4 2025
Return on Assets
0.19%
Rank 20 of 21
Net Interest Margin
2.95%
Rank 11 of 21
Efficiency Ratio
65.06%
Rank 13 of 21
Equity / Assets
10.27%
Rank 7 of 21
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.19% | 0.51% | 0.68% | 0.97% | Beats 5% | 20 / 21 | |
| Return on Equity | 1.88% | 5.06% | 6.83% | 9.54% | Beats 5% | 20 / 21 | |
| Net Interest Margin | 2.95% | 2.67% | 2.95% | 3.49% | Beats 48% | 11 / 21 | |
| Efficiency Ratio | 65.06% | 57.10% | 63.35% | 72.87% | Beats 43% | 13 / 21 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.53% | 0.84% | 1.23% | 1.48% | Beats 24% | 17 / 21 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.27% | 9.47% | 9.96% | 10.95% | Beats 67% | 7 / 21 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.27% | 9.47% | 9.96% | 10.95% | Beats 67% | 7 / 21 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.26% | 83.60% | 90.49% | 97.34% | 81st pctl | 4 / 21 | |
| Loans / Assets | 73.81% | 70.00% | 77.84% | 82.21% | 33rd pctl | 14 / 21 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||